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Best insurance plan for retired?

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Posted 6/25/2023 5:33 PM (GMT 0)
I signed up last year when I reached retirement age for a well-known insurance provider.

So far, well, not a bad plan, but sort of 'meh.' I do think they could have better coverage, though I realize most if not all plans are costly these days. I also take into consideration that costs on just about everything have risen in the past couple of years.

I guess I got turned off on my current provider because of their poor handling of an issue I had mentioned in a previous post. I won't elaborate as to what it specifically is, but they pretty much dropped the ball. I've had to fax, phone, e-mail and even 'snail mail' to the company about this issue but got only a short 'oh well' response each time.

I am going to contact them again tomorrow, as the last rep I spoke to was 100% sympathetic with my issue and was going to speak with her supervisor for more help. (But I'd heard that before, unfortunately!).
Anyway, I'm just checking around to see if anyone here has had more satisfaction with their insurance plan, especially if retired. My husband is still employed and I was under his plan previously, but that was much more expensive.

Thanks for any input!
Posted 6/25/2023 11:15 PM (GMT 0)
Luvs, are you on Medicare?

I’m assuming you had dental work that hasn’t been paid by your insurance company. I’d make an appointment to go in and talk face to face with the dentist’s billing department. Take in your insurance information too and make sure they have the correct information and that they sent their bill correctly. If so, this lies in the insurance’s lap.

As far as the insurance company you have right now, Google them to get the corporate number and call the corporate offices and let them know what you have gone through so far…after you have checked with the dentist’s billing department. It looks very bad for their customer service. The squeaky wheel sometimes works.

When I first had my colon removed our insurance company didn’t cover the appliances! It was a major insurance company too. The appliances run several hundreds of dollars a month. I became the proverbial squeaky wheel and called them every 1-2 weeks saying they needed to cover these appliances. They were telling me they weren’t medically necessary. 😂. I said that they needed to try to live without ostomy appliances if they have their colon removed! I explained the surgery and I was like a pit bull. I wouldn’t except their excuses. This went on for months and they finally agreed to pay for my appliances. Maybe nobody else’s but they wanted to shut me up. 😁

Sherrine
Posted 6/26/2023 1:39 AM (GMT 0)
Hi Sherrine and thanks for the reply!

Yes, a bit more to the story, but something like that happened. I've bounced between the dentist's office and insurance for a few months now. If I don't get a satisfactory answer this week, I will definitely be contacting someone in higher authority--the corporate office is the way to go, for sure!

So, we'll see what happens early this week when I was told to call back. Sorry you had to go through something similar! It's pretty ridiculous what we have to do sometimes to get fair treatment. Glad it worked out for you--will keep you posted on this!
Posted 6/26/2023 2:23 AM (GMT 0)
If you are getting Medicare, AARP has good supplemental insurance through United Healthcare. I have one of their policies and have had no problems at all.

Sherrine
Posted 6/26/2023 10:09 AM (GMT 0)
Good to know! I'll check it out. Thanks!!
Posted 6/26/2023 2:38 PM (GMT 0)
Luvs, like Sherrine, my husband & I have regular Medicare with United Healthcare as our supplemental policy. Gosh, we've had this coverage for years & not once has any of our claims been disputed. If you decide to go this direction you will need to purchase Plan D which is prescription coverage & it's not expensive.

Changes in coverage starts in October which gives you plenty of time to make a choice.
Posted 6/27/2023 1:57 AM (GMT 0)
For my Part D I use WellCare. I have 12 prescriptions and nine of them are free! The other three are more expensive so I buy them through GoodRX because they are less than if I purchase them through WellCare. Every little bit helps. There are quite a few good Part D programs and you should check them out because a lot depends on the prescriptions you are taking. I think in the back of the Medicare booklet you get there are lists of prescription Part D programs to choose from.

Sherrine
Posted 6/27/2023 9:56 AM (GMT 0)
Thank you, Susie and Sherrine! I'm still so new to Medicare that it can be somewhat overwhelming, so I really appreciate any input. The choices out there are so numerous and as you know, it takes time to "read the fine print." Your help is really appreciated!

Regarding what happened to me, I had to choose a new provider, so I requested a list of those in-network. I then selected one, but later found out the provider had suddenly dropped just before my appointment and I wasn't made aware of it(!) Still working on this and collecting info to get the whole picture.

Thanks again! I may (likely!) be posting again as I go through the Medicare process and weigh the options.
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